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Check Out 02888 Home Insurance Rates
Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Warwick, RI.
We will gather some basic information about your home in Warwick, RI and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.
Our service is always free and we have a team of Rhode Island licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.
If you are ready to start researching homeowner insurance rates in 02888 simply click the "Get Multiple Quotes Now" button.
Research Home Insurance Quotes in 02888
We have pulled together a variety of data related to homeowners insurance in Rhode Island. Simply click on one of the links below to learn about the average cost of homeowners insurance in Rhode Island as well as local coverage options.
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Warwick, RI home insurance quotes in your local city and review the most competitive coverages and premiums.
02888 Homeowners Insurance Rates, Average Rating: very high!
Homeowners insurance policies in 02888 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.
Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.
Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Rhode Island is roughly $1307. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.
Get started right now saving on your 02888 homeowners insurance policy!
02888 Home Insurance Average Premiums
For the 02888, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
Coverage Amount: | Annual Premium |
---|---|
1800 sq. ft. or below (discounts applied) | $1057 /yr. |
Average Coverage: | $1307 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1607 /yr. |
What is the average home insurance cost for a home in 02888?
- • The average homeowners insurance premium paid annually for a home in 02888 is around $1307 per year.
What does it cost on average per month for home insurance in 02888?
- • Homeowners in 02888 pay a monthly average cost per month around $109.00.
What kind of discount could I get if I combine my home and auto insurance together in 02888?
- • Autoowners in 02888 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Warwick area, check out other zip codes nearby 02888.
Review average rates in another zip code:
02886 homeowners insurance rates
02888 homeowners insurance rates
02889 homeowners insurance rates
Home Replacement Cost Coverage in 02888
Average Building Cost Per Square Foot in 02888: $210
Location: Warwick, Rhode Island (Kent County)Average Square Footage in 02888: 1,162 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 02888 before you start any project. Warwick homeowners pay on average around $210 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 02888 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 02888 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,162 sq. ft. and the average cost to rebuild the home in this area is around $210 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Warwick area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
---|---|---|---|
Basic Home Features | $210 | 1,162 | $244,000 |
Additional Upgrades & Added Features | $263 | 1,162 | $305,000 |
Major Home Updates or Advancements | $315 | 1,162 | $366,000 |
It's important to understand that when you estimate your replacement cost of your home in the 02888 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 02888
Allstate Insurance - Ronald Newman Jr
Address: 873 Warwick Ave Warwick, RI 02888Phone: (401)781-5335
Website:
Michael Ashworth - Insurance
Address: 1045 Warwick Avenue Suite 203 Warwick, RI 02888Phone: (401)467-0320
Website: www.progressive.com
Best Home & Auto Insurance Agencies in 02888
Michael J Degiulio - Nationwide Insurance
Address: 569 Warwick Ave Warwick, RI 02888Phone:
Website:
Info:
Allstate Insurance - Ronald Newman Jr
Address: 873 Warwick Ave Warwick, RI 02888Phone:
Website:
Info:
Michael Ashworth - Insurance
Address: 1045 Warwick Ave, #203 Warwick, RI 02888Phone:
Website: http://www.progressive.com
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Woodbine Ins Association Inc - Nationwide Insurance
Address: 1429 Warwick Ave, Ste 6 Warwick, RI 02888Phone:
Website: http://www.nationwide.com/agent/Warwick-RHODE-ISLAND-insurance-agent/mikewoodbine/office.html
Info:
Housing Demographics for 02888
Population Review for 02888 Zip Code
For the city of Warwick, the population within 02888 has increased to over 19,689 residents in population size. The current population total is 19,578. We have broken down the population based on race below. In 02888, there are over 9385 in male population and 10193 females.
Population | Values |
---|---|
Total Population | 19,578 |
White Population | 16557 |
Black Population | 510 |
Hispanic Population | 1462 |
Asian Population | 503 |
Hawaiian Population | 3 |
Indian Population | 64 |
Other Population | 582 |
Male Population | 9385 |
Female Population | 10193 |
Population Estimate | 19689 |
Household Data for 02888
The average number of homes in 02888 is around 8,623, there are an average of 2.26 per household. The average house value according to local real estate values is around $244,000. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 8,623 |
Persons Per Household | 2.26 |
Average House Value | $244,000 |
Income Per Household | $78269 |
Median Age | 45.6 |
Median Age Male | 43.0 |
Median Age Female | 48.2 |
02888 Details | Values |
---|---|
State | RI |
State Full Name | Rhode Island |
City Type | P |
City Alias Abbreviation | |
Area Code | 401 |
City | Warwick |
City Alias Name | WARWICK |
County | Kent |
County FIPS | 003 |
State FIPS | 44 |
Time Zone | 5 |
Day Light Saving | Y |
MSA | 6480 |
PMSA | |
CSA | 148 |
CBSA | 39300 |
CBSA_DIV | |
CBSA_Type | Metro |
CBSA_Name | Providence-Warwick, RI-MA |
MSA_Name | Providence-Fall River-Warwick, RI-MA MSA |
PMSA_Name | |
Region | Northeast |
Division | New England |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 672 |
Number Of Employees | 7261 |
Business First Quarter Payroll | 87258 |
Business Annual Payroll | 388808 |
Business Employment Flag | |
Growth Rank | 0 |
Growth Housing Units 2003 | |
Growth Housing Units 2004 | |
Growth Increase Number | 0 |
Growth Increase Percentage | 0.0 |
Metropolitan Details | Values |
---|---|
CBSA Population | 1600852 |
CBSA Division Population | 0 |
Congressional District | 02 |
Congressional LandArea | 765.32 |
Delivery Residential | 8712 |
Delivery Business | 742 |
Delivery Total | 9674 |
Preferred Last Line Key | V25969 |
Classification Code | |
Multi-County | |
CSA Name | Boston-Worcester-Providence, MA-RI-NH |
CBSA_DIV_Name | |
City State Key | V25969 |
Land Area | 5.897000 |
Water Area | 0.773000 |
City Alias Code | |
City Mixed Case | Warwick |
City Alias Mixed Case | Warwick |
Box Count | 140 |
SFDU | 7503 |
MFDU | 840 |
State ANSI | 44 |
County ANSI | 003 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | Y |
Carrier Route Rate Sortation | D |
Finance Number | 438680 |
Unique ZIP Name | |
SSA State County Code | 41010 |
Medicare CBSA Code | 39300 |
Medicare CBSA Name | Providence-Warwick, RI-MA |
Medicare CBSA Type | Metro |
Market Rating Area ID | 1 |
County Mixed Case | Kent |
Rhode Island Homeowners Insurance News & Information
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2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]
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What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024
A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly. The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]
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$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]